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सूक्ष्म एवं लघु उद्यम क्रेडिट गारंटी निधि न्यास (सीजीटीएमएसई) – क्रेडिट गारंटी योजना

Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS-I) operated by the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

Centralविश्वसनीयता: highआसवक-कारीगरमहिला या युवा उद्यमीव्यापारी या निर्यातकखुदरा विक्रेतापैकेजिंग MSMEप्लेटफ़ॉर्म या स्टार्टअप

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नियम संस्करण 1 · 1 जन॰ 2026 से लागू

Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS-I) – Scheme Document updated as on April 01, 2026 · CGTMSE

किसी ने अभी तक यह नियम स्रोत से नहीं मिलाया

नियम को चाहिए: आप कौन हैं*, जिला, परियोजना लागत, सामाजिक वर्ग, लिंग, उद्यम पंजीकरण, पहले का डिफ़ॉल्ट या सब्सिडी

इस संस्करण की शर्तें:
  • उद्यम पंजीकरण · बराबर → इसे सशर्त बनाता है: Udyam registration is required before applying
  • पहले का डिफ़ॉल्ट या सब्सिडी · बराबर → इसे बाहर करता है: A prior bank default or an earlier self-employment subsidy leads to rejection

आवेदन शुरू करें →

लाभ

लाभ का प्रकार
Credit guarantee to the lending bank (not a grant or subsidy to the borrower), enabling collateral-free / third-party-guarantee-free term loans and working capital
राशि
Guarantee on credit facilities up to Rs 10 crore per borrower (banks/FIs); Rs 2 crore via RRB/co-op/SFB; Rs 50 lakh via MFI. Maximum credit risk borne by CGTMSE per borrower is Rs 7.5 crore (75% of Rs 10 crore).
सब्सिडी का हिस्सा
Not a subsidy. Extent of guarantee cover (guarantees approved on/after 1 Apr 2025): Micro enterprises 85% up to Rs 5 lakh and 75% for Rs 5-50 lakh; women entrepreneurs / Agniveer-promoted MSEs 90%; SC/ST, PwD, transgender, aspirational-district and ZED-certified MSEs 85%; NER/J&K/Ladakh 80% up to Rs 50 lakh; all other borrowers and all categories above Rs 50 lakh up to Rs 10 crore 75%; +5% in RBI-identified credit-deficient districts.
अधिकतम सीमा
Rs 10 crore guarantee coverage per borrower across all MLIs (Rs 7.5 crore maximum payout at 75%)
अवधि
Runs through the agreed tenure of the term loan; working capital covered in renewable 5-year blocks with no overall cap. Lock-in 18 months before invocation (9 months for guarantees up to Rs 10 lakh with tenure up to 36 months). Claims paid 75% first instalment, 25% after 3 years.
जमानत
No collateral security and no third-party guarantee to be taken by the bank for the guaranteed portion; a Hybrid Security product allows partial collateral with the unsecured balance (up to Rs 10 crore) covered. Per Circulars 254/2025-26 and 258/2025-26, guarantees of co-borrowers/co-obligants who sign the loan agreement are not treated as third-party guarantees. Annual Guarantee Fee (from 1 Apr 2025): 0.37% p.a. up to Rs 10 lakh; 0.55% Rs 10-50 lakh; 0.60% Rs 50 lakh-1 crore; 0.85% Rs 1-2 crore; 1.00% Rs 2-5 crore; 1.10% Rs 5-8 crore; 1.20% Rs 8-10 crore; charged on guaranteed amount in year 1 and outstanding thereafter; 10% concession each for social category, geography and ZED (max 30%); bank-level risk premium up to +70% or discount of 10%; the bank may pass the AGF to the borrower.
सत्यापन टिप्पणी
A Kannauj attar micro or small unit can borrow up to Rs 10 crore from a member bank without collateral or third-party guarantee, with CGTMSE guaranteeing 75-90% of the default (85% for micro loans up to Rs 5 lakh, 90% for women-led units) in exchange for an annual guarantee fee of 0.37-1.20% that the bank may pass on.

पात्रता

कौन आवेदन कर सकता है
  • Micro enterprises (manufacturing or service, as defined under MSMED Act 2006 s.7)
  • Small enterprises (manufacturing or service)
  • Trading (retail and wholesale) MSEs
  • Educational / training institutions registered as MSEs
  • Any constitution: proprietorship, partnership, LLP, company, trust, HUF
आयु
No age criterion
लिंग और श्रेणी
Open to all; enhanced cover and 10% fee concession for women, SC/ST, PwD, transgender, Agniveer-promoted MSEs, units in NER/J&K/Ladakh, aspirational districts, RBI-identified credit-deficient districts and ZED-certified MSEs
टर्नओवर या निवेश सीमा
Must qualify as Micro or Small under MSMED Act 2006 (as amended); no separate turnover test in the scheme. Guarantee ceiling: credit facilities up to Rs 10 crore per borrower (banks/FIs), Rs 2 crore (SFBs, RRBs, co-op banks, SFCs), Rs 50 lakh (MFIs). Loans above Rs 50 lakh must be internally rated investment grade by the MLI.
क्या इत्र व्यापार सूची में है
YES (by construction, not by name). CGTMSE has no notified trade/product list; the scheme document defines an eligible MSE as any enterprise 'engaged in the manufacture or production of goods, in any manner' or rendering services, and even trading is eligible. Attar/ittar distillation and perfumery manufacturing in Kannauj therefore qualifies as a manufacturing MSE activity, provided the unit is Micro/Small under MSMED Act and the bank sanctions the loan without collateral/third-party guarantee (or under the Hybrid Security product).
अन्य शर्तें
Credit facility must be standard (not SMA) at the material date; not restructured or in SMA-2 in the past year; primary security must be created; fraud/wilful-defaulter accounts ineligible for claims.

आवेदन कैसे करें

ऑनलाइन पोर्टल
https://www.cgtmse.in (MLI login only; borrowers cannot apply directly). Facilitation portals: https://udyamimitra.in and https://www.jansamarth.in
कार्यालय जहाँ जाना है
Any Kannauj branch of a Member Lending Institution (public/private bank, Aryavart Bank, co-operative bank); the bank sanctions the loan and lodges the guarantee application online with CGTMSE using its member ID. CGTMSE head office: SIDBI Swavalamban Bhavan, BKC, Mumbai 400051; toll-free 1800 222 659.
दस्तावेज़
  • Standard bank loan application with project report / working-capital assessment
  • Udyam Registration certificate evidencing Micro/Small status under MSMED Act 2006
  • PAN of the chief promoter (CGTMSE tracks borrower exposure by promoter PAN; unit must be ITPAN-holding except where exempt)
  • KYC and constitution documents of the enterprise and promoters
  • Primary security documents (hypothecation of assets financed); no collateral or third-party guarantee
  • Category proofs where concession is sought: caste certificate (SC/ST), disability certificate from competent authority (PwD), ZED certificate, women-ownership evidence
  • Internal credit rating by the bank (investment grade) for facilities above Rs 50 lakh

सावधानी

1) It is a guarantee to the bank, not a subsidy: the borrower repays 100% of the loan and usually bears the AGF that the bank passes on. 2) Borrowers cannot apply to CGTMSE; the bank decides whether to seek cover, and many branches still ask for collateral. 3) Loans already covered by DICGC/RBI schemes, government or insurer guarantees, or NCGTC are excluded; a loan with collateral is excluded unless structured under the Hybrid Security product. 4) Any borrower whose earlier CGTMSE-covered loan was invoked and not repaid is ineligible. 5) Loans above Rs 50 lakh need an investment-grade internal rating, which most Kannauj attar units lack. 6) Flower farmers borrowing for cultivation are agricultural borrowers, not MSEs, and fall outside CGS-I. 7) Guarantees via RRB (Aryavart Bank) and co-operative banks are capped at Rs 2 crore and via MFIs at Rs 50 lakh. 8) Fraud / wilful-defaulter accounts get no claim; lock-in of 18 months and legal-recall conditions apply to claims. 9) The 90%/85%/75% percentages are of the amount in default, not of the sanctioned loan; and the Rs 10 crore ceiling is a coverage limit, so guarantee payouts never exceed Rs 7.5 crore. 10) Coverage percentages diffe

कन्नौज में एजेंसी

No district office. CGTMSE guarantees are obtained by Member Lending Institutions (MLIs), so the Kannauj-level implementers are the bank branches registered as MLIs: public/private banks (ceiling Rs 10 crore) and the RRB Aryavart Bank / co-operative banks (ceiling Rs 2 crore). Branches listed on kannauj.nic.in include Bank of Baroda, Bank of India, PNB, SBI, UCO, Indian Bank, IDBI, Axis, HDFC, ICICI, IndusInd and Gramin (Aryavart) Bank. DIC Kannauj / KVIB have no statutory role in CGTMSE itself; they enter only where a state or central self-employment scheme routes the loan to a bank. Lead Dis

क़ानूनी आधार

आदेश या अधिसूचना
Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS-I) – Scheme Document (in force from 1 Aug 2000, covering facilities from 1 Jun 2000; renamed after MSMED Act 2006); latest consolidated text updated as on 1 April 2026. Key amendments: Circular No. 250/2024-25 dated 18 Mar 2025 (ceiling raised Rs 5 crore to Rs 10 crore) and Circular No. 251/2024-25 dated 18 Mar 2025 (revised AGF), both effective 1 Apr 2025.
तारीख
2026-04-01 (scheme document); 2025-03-18 (Circulars 250 and 251)
लिंक
https://www.cgtmse.in/Default/ViewFile/?id=1743176302611_CGTMSE - Scheme Document CGS I_updated as on Apr 1 2026.pdf&path=Page

दिशानिर्देशों की वर्तमान स्थिति

Not superseded; amended repeatedly. 2025: Circ. 246-248/2024-25 (28 Feb 2025: transgender entrepreneurs, MLI eligibility, CGS-I modification); Circ. 250/2024-25 (18 Mar 2025: ceiling Rs 5 cr to Rs 10 cr w.e.f. 1 Apr 2025); Circ. 251/2024-25 (18 Mar 2025: AGF cut for Rs 1-5 cr slabs w.e.f. 1 Apr 2025); Circ. 254/2025-26 (9 Jul 2025: co-borrower guarantees not third-party); Circ. 256/2025-26 (31 Dec

स्रोत

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